A belief is equivalent to an opinion. Neither are grounded by fact, but can still be grounded by some sort of logic.
In regard to the topic, I do not think that agnosticism is cowardly. It seems perfectly rational to me, which is why I am agnostic. Although, I'm inclined to doubt that there is any theistic entity. If there is a god, I believe it would be more of an idea, rather than a tangible entity. These are all just theories, though, and I do not strictly subscribe to any of them. I try to remain as open as possible. Although, I've read about some religions. The occult has always been an interest, and when I first read the "as above, so below" piece of Hermeticism it really blew my mind, and I think it forever expanded my way of thinking. It really struck me, and caused almost what I would consider to be an epiphany, so I'll always have a soft spot for that idea.
Pantheism is also very interesting, and something that I could understand easily. When I read these sort of things, some ideas just seem to "align" with my thinking process. You can learn a lot by choosing to not adhere to any strict religious belief, but to still be open and research them.